Long Term Care Insurance (formerly Insurance Regulation 44) (230-RICR-20-35-01)

230-RICR-20-35-1 ACTIVE RULE

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1.3Applicability and Scope


1.5Policy Definitions

1.6Policy Practices and Provisions

1.7Unintentional Lapse

1.8Required Disclosure Provisions

1.9Required Disclosure of Rating Practices to Consumers

1.10Initial Filing Requirements

1.11Prohibition Against Post-Claims Underwriting

1.12Minimum Standards for Home Health Care Benefits in Long-Term Care Insurance Policies

1.13Requirement to Offer Inflation Protection

1.14Requirements for Application Forms and Replacement Coverage

1.15Reporting Requirements


1.17Discretionary Powers of Commissioner

1.18Reserve Standards

1.19Loss Ratio

1.20Premium Rate Schedule Increases

1.21Filing Requirements

1.22Filing Requirements for Advertising

1.23Standards for Marketing


1.25Prohibition Against Preexisting Conditions and Probationary Periods in Replacement Policies or Certificates

1.26Availability of New Services or Providers

1.27Right to Reduce Coverage and Lower Premiums

1.28Nonforfeiture Benefit Requirement

1.29Standards for Benefit Triggers

1.30Additional Standards for Benefit Triggers for Qualified Long-Term Care Insurance Contracts

1.31Standard Format Outline of Coverage

1.32Prompt Payment of Clean Claims

1.33Requirement to Deliver Shoppers Guide

1.34Rhode Island Long-Term Care Partnership Program

Title 230 Department of Business Regulation (includes the Office of the Health Insurance Commissioner)
Chapter 20 Insurance
Subchapter 35 Long Term Care Insurance
Part 1 Long Term Care Insurance (formerly Insurance Regulation 44) (230-RICR-20-35-01)
Type of Filing Periodic Refile
Regulation Status Active
Effective 01/04/2022

Regulation Authority:

R.I. Gen. Laws Chapter 27-34.2

Purpose and Reason:

This rule is being refiled by the agency pursuant to R.I. Gen. Laws § 42-35-4.1.  No changes were made to the text of this rule.